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NOTICE: The financial community is seeing an aggressive increase in scams and phishing. We will never contact you to ask for your username, password, PIN, verification codes/code word, or card/account numbers. If you are concerned about a text, call or email you receive, please contact our service center at 1-800-453-8188.

NOTICE: The financial community is seeing an aggressive increase in scams and phishing.

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Savings Certificates

A savings account that works harder
and earns more for your business

Savings Certificates

Our highest earning interest rates are available through UCCU Business Savings Certificates. With rates much higher than a traditional savings account, you enable your savings to earn more for you. 

That’s because unlike a traditional savings account – which allows you to deposit and withdraw funds freely – a certificate of savings comes with an agreement that you won’t withdraw funds for a set term, typically anywhere from months to years.

Also, click to take a look at UCCU’s high interest Money Market Accounts!

Supercharge Your Savings

Open a UCCU Business Savings Certificate and start earning more. A lot more.

(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm,

Special Promotional Savings Certificate Rates!

Types of Savings Certificates

Standard Certificate Rates

A conventional savings certificate that earns you a higher interest rate than a traditional savings account.

Add a Jump Up Feature to your Standard Certificate!

Worried the yield will go up? Then add a Jump Up to any Standard Certificate for only 0.20% less APY to enjoy the flexibility of a one-time rate Jump up during the life of your certificate!

Certificate Special Rates

Open a promotional certificate for a limited time only. Hurry before these specials disappear!

What’s the difference between a Savings Certificate and a CD?

Though a Savings Certificate and a Certificate of Deposit (or CD) are similar in function, CDs are issued by banks while Savings Certificates are issued by credit unions, like UCCU. 

Savings Certificates are a popular way to save money by purchasing a certificate and agreeing to leave that money deposited in the certificate for a period of time between 3-months and 5-years. They earn higher dividends than other savings options.

*APY = Annual Percentage Rate. Please note that rates and fees are subject to change without notice. Personal and Business minimum deposit $500 (Youth $100). Click for Truth in Savings for Certificates. Click for the Disclosure of Business Savings Certificates.

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(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

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